Prior to the unveiling of bad credit mobile phones, individuals with a less than stellar credit rating in the UK were resigned to fate. They had become used to rejections every time they sought to be considered for a mobile phone contract. So dire was the situation that some people suffered low self-esteem while for some the idea of applying for a mobile phone contract became depressing. The discrimination based on a person’s credit score was depressing to an extent that those with a less than average credit score felt as if they were second class citizens.

When bad credit mobile phones finally became a reality, there was reason for those with bad credit or a less than stellar credit score to smile. The major selling point of bad credit mobile phones and the reasons it has continued to gain immense popularity has to do with the fact that a person’s credit score is not a cause of concern. Essentially, when you apply for bad credit mobile phones, providers do not perform credit checks or rather they do not use your credit score to approve or reject your application. The result is that one can apply and get approved without having to spend sleepless nights wondering whether they would be approved or not.

The second reason bad credit mobile phones are popular has to do with the fact that it provides those with a poor credit rating the perfect platform to improve their credit score over time. When you have a poor credit score, the only way to improve it is you do not default on loan repayments or mobile phone contracts. However, standard mobile phone contract providers rarely approve those with a poor credit rating hence denying them the opportunity to prove their mettle in so far as repaying is concerned. On the other hand, bad credit mobile phones are open to everyone and if a person pays their monthly obligations promptly without fail, it is only a matter of time before they start seeing positive results on their credit report.

Thirdly, bad credit mobile phones make it possible for individuals with no prior credit history to start building their credit report from scratch. What happens is that lenders and even mobile phone contract providers are skeptical when it comes to approving those with a less than average credit score because they don’t have a way of telling whether they are financially responsible or not. Bad credit mobile phones providers on the other hand do not have a problem approving those with no prior credit history hence according them the golden opportunity to start building their credit score from scratch.

With that said, getting a contract with bad credit is no longer a herculean task as it were before bad credit mobile phones became mainstream. The fact that bad credit mobile phones do not judge a person based on their credit score is the reason this type of contract continues to be popular not only in the UK but also in other parts of the world.

Like with everything else, their exist myths concerning mobile phone contracts. These fallacious beliefs have been propagated from time immemorial and the effect has been a misunderstanding of mobile phone contracts. You probably have heard a thing or two about mobile phone contracts and wondered aloud whether this was true or not. Well, today we are going to debunk myths regarding mobile phone contracts and hopefully furnish you with the facts.

Myth 1: mobile phone contracts are for those with a perfect credit score
While at some point this used to be the case, the fact is that nowadays anyone can apply and get approved of a phone contract without having to worry about their credit score. With guaranteed mobile phone contracts, bad credit mobile phones as well as no credit checks mobile phones, the argument about a perfect credit score doesn’t have any merit. All that a UK citizens needs to do is choose a mobile phone contract type of choice, apply and get approved without having sleepless nights about the status of their credit score.

Myth #2: you cannot upgrade to a better package if you have bad credit
Granted, there are a number of mobile phone providers that make it impossible for individuals with bad credit to upgrade to a better package. However, this is no longer the case as more and more providers now offer the ability to upgrade provided that a person’s account is in good standing. What this essentially means is that should a person meet their monthly obligations without fail, then there is no reason as to why they should not be upgraded to a better package.

Myth #3: penalties apply when you repay your obligation early
Well, this is one of the reasons you need to check with a given provider before applying with them. Most UK mobile phone contract providers encourage early repayment so as to avoid cases of defaults. They also do not charge penalties on early repayments. The idea therefore that all mobile phone contract providers charge a penalty for early repayment is hogwash.

Myth #4: you cannot choose a high end phone if you have bad credit
While there are some limitations when it comes to choosing for a phone when you have bad credit, the idea that you cannot be allowed to apply for a high end phone is a myth. What most provider’s state is that you need to pay a small deposit upfront if you are choosing a high end phone. This simply to ensure that they mitigate the risks on their side. If you pay the deposit, providers have no problem with approving you for the latest high end phone. In any case, the deposit amount is usually refunded at the end of the contract.

In light of the above, it is essential that you make decisions based on fa

cts and not to be misled by the various myths doing rounds. Everyone is entitled to a mobile phone contract and all you need to do is ensure that you make an informed decision.

Granted, the unveiling of mobile phone contracts in the UK was well received and hailed as a step towards the right direction in so far as bridging the gap between the rich and poor is concerned. During the initial stages, there were concerns that UK mobile phone contract industry had a short lifespan or rather it wouldn’t stand the test of time. As it is now, it is now clear that those assumptions were simply based on unfounded fears and individuals who did not believe in the potential of mobile phone contracts. Within a few months of unveiling, thousands of UK citizens had joined the bandwagon and the popularity of mobile phone contracts in the UK continues to soar with every passing new day.

Amidst all the pomp and glamour, the wondrous benefits of mobile phone contracts and the fact that it has become rooted in the national fabric of the UK, the question on the lips of many people is what the future of the mobile phone industry will be. Are we going to see a change in tactic in so far as credit score is concerned? From inception, the idea was that only individuals with a good credit score could avail a contract phone. This rule of course saw thousands of UK citizens with a poor credit rating get locked out of a contract. There was, in hindsight, discrimination when it came to application and subsequent approval of mobile phone contracts.

This situation continued until the post-recession years when mobile phone providers had to change tact. It now came to their attention that having a bad credit score was unilaterally a function of financial irresponsibility. The economic downturn led to massive job losses, closure of businesses that hitherto had been considered immensely successful and the ripple effects of the same led mobile phone providers in the UK to go back to the drawing board. The result was the unveiling of bad credit mobile phones that essentially targeted those with no prior credit history as those whose credit history was less than average.

If there is anything that is clear, it has to do with the fact that over 90% of the UK households own a mobile phone and most prefer a mobile phone contract as compared to a Pay As You Go (PAYG) plan. The future of the mobile phone contracting industry can therefore be said to be bright. With new high end handsets being released every other day, mobile phone contracts remain the only plausible way of enjoying the services of the latest mobile phones without having to pay for the same upfront. The mushrooming of mobile phone contract providers jostling for a pie of the national cake in terms of the customers is also indicative of the fact that the UK mobile phone contract industry is just bound to scale the ladders and cover more ground.

Acceptance of those with a poor credit history not to mention the mushrooming of custom suit contracts for them is an indication that the future can never be so bright. I mean, when you compare pay as you go with mobile phone contracts, you will understand why the mobile phone contract industry is not going anywhere. People rely on mobile phone contracts to get free handsets, free minutes, free texts, data bundles as well as the flexibility of paying for the same over a prolonged period of time.

The mobile phone industry has gone in leaps and bounds over the years. A sneak peek online and you will notice that new phones are being manufactured daily. The demand for new mobile phones is not about to go down any time soon if the affliction for the latest gadgets in the market is anything to go by. Mobile phones have morphed from gadgets we used for doing basic functions such as calling and texting to gadgets that we rely on for virtually everything. Whether its GPS navigation, taking elegant pictures or socializing as well as shopping online, mobile phones have indeed redesigned the way we go about our duties and even interact.

For this reason, most UK individuals view mobile phones as an important asset, something that is a right rather than a privilege. Gone are the days when owning a mobile phone was a preserve of the affluent in the society. Today, over 90% UK households own a mobile phone and this is testimony of how essential a mobile phone is. In light of this, applying for a UK mobile phone contract in the contemporary society that we live in is a rule rather than an exception. The proliferation of UK mobile phone contract providers is testimony to the fact that a mobile phone is a basic need in the 21st century.

That said, there are a clique of UK individuals that simply apply for a phone contract without regard to reputation of the provider in question. For this reason, great emphasis has been on individuals to take their time and read reviews of various providers before applying or choosing a given UK mobile phone contractor. But why should a person read reviews prior to choosing a given mobile phone contract provider?

Reputation
It’s essential that you apply for a UK mobile phone contract from a provider with a solid and good reputation. Of course, as a person applying for a contract for the very first time, you might not be conversant with the best providers in the industry hence the need to read reviews and only settle for a provider with the best reputation.

Compare deals
Different providers offer different deals or mobile phone contract packages. Reading reviews ensure that you compare deals of different providers and settle on one that is most affordable. In as much as cost plays an important role in your decision, it’s essential that you compare deals and ensure that you get value for the money you ultimately pay.

Customer services
Excellent customer services is something that we all expect when applying for a mobile phone contract. However, it’s correct to say that most providers offer poor services and hence the need to read reviews of given providers to find out what it is that others are saying about their services. Reviews of past customers will give you a clear picture of how professional the customer personnel of a given provider are, how they respond to queries and the speed with which they do, how they resolve customer complaints and so on and so forth.

History
You cannot know the history of a given UK mobile phone contract provider without reading their comprehensive review. In most cases, it’s safe to apply for a mobile phone contract with a provider that has been around for a certain period of time. Such a provider has been tried and tested and therefore you can be rest assured you are in safe hands. Reviews also bring out information as to whether a UK provider is licensed or not.

In light of the above, there is no reason as to why you should apply for a UK mobile phone contract blindly. Always read reviews and get handy information before making the final decision on who to do business with.